"V6=higher initial cost, higher insurance, higher gas cost, probably higher repair costs too"
Actaully only a small amount of mark up on insurance and I have ssen V6 cars for only $200-500 more than a same year 4. I also only got 1-2 mpg less than a Z/ATX with my last V6 Tour. Repairs depend on car condition and the costs would be same for non-engine items like alterntor, struts, etc.
In looking at used Contour ads, it seems like most of the MTX cars were made in 1995-6, when Ford wanted to get some import owners to buy. After '98, seems like they just gave up and sold 99% ATX models (excluding SVT).
Only for year 2000, the Contour Zetec/MTX combo didn't exist. ('00 Mystique could get one though, finding one would be hard)